Here are a few guidelines to determine if you have fallen into the trap of unintentional speculation. Today's Stocks & Topics: Equifax Breach, LB - L Brands Inc., Retailers, Interest Rates, New Federal Reserve President, Hacking, TSLA - Tesla Inc., Quantitative Easing, Buy & Sell, NYCB - New York Community Bancorp Inc., Coverdell Education Savings Account, 401k, CELG - Celgene Corp.